Peran Literasi Keuangan dalam Meningkatkan Kinerja dan Keberlanjutan UMKM: Studi pada Kepulauan Nias

Idarni Harefa; Dian Hesti harefa; Karisman Laia; Abdiel Harapan Laia; Berkat Iman Zai; Ervan Suryawan Gea; Syukurman Hia; Andi Martir Sahputra Harefa

doi:10.47709/jebma.v6i2.8533

Authors

Idarni Harefa Universitas Nias
Dian Hesti harefa Universitas Nias
Karisman Laia Universitas Nias
Abdiel Harapan Laia Universitas Nias
Berkat Iman Zai Universitas Nias
Ervan Suryawan Gea Universitas Nias
Syukurman Hia Universitas Nias
Andi Martir Sahputra Harefa Universitas Nias

DOI:

https://doi.org/10.47709/jebma.v6i2.8533

Keywords:

Literasi Keuangan, Kinerja UMKM, Keberlanjutan Usaha

Abstract

Penelitian ini mengeksplorasi pengaruh literasi keuangan terhadap kinerja dan keberlanjutan usaha mikro, kecil, dan menengah (UMKM) di Kepulauan Nias, Indonesia. Dengan menyadari pentingnya pengetahuan keuangan dalam keberhasilan kewirausahaan, penelitian ini bertujuan untuk memberikan bukti empiris mengenai bagaimana kompetensi keuangan berkontribusi terhadap pengembangan usaha di wilayah pedesaan dan tertinggal. Menggunakan pendekatan kuantitatif, data dikumpulkan melalui kuesioner terstruktur dari para pelaku UMKM terpilih dan dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh positif dan signifikan terhadap kinerja maupun keberlanjutan UMKM. Koefisien jalur pengaruh literasi keuangan terhadap kinerja sebesar 0,462 (p-value = 0,000), sedangkan pengaruhnya terhadap keberlanjutan sebesar 0,381 (p-value = 0,000). Nilai R-square menunjukkan bahwa literasi keuangan mampu menjelaskan 47,2% variasi kinerja dan 39,9% variasi keberlanjutan usaha. Temuan ini menunjukkan bahwa penguatan literasi keuangan di kalangan pemilik UMKM dapat menjadi intervensi strategis untuk meningkatkan produktivitas, ketahanan, dan keberlangsungan jangka panjang usaha lokal. Penelitian ini merekomendasikan integrasi pendidikan keuangan ke dalam program pembangunan ekonomi daerah guna mendorong pertumbuhan yang inklusif di wilayah seperti Kepulauan Nias.

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